Image courtesy of Loren Hansen:
#2724 LOREN: (Counter-clockwise from left) First year Black, first year Brown-capped, adult Brown-capped.
KEN: Agree. Lack of rosy color on wings with extensive white on coverts appears consistent with first year Black Rosy-Finch (Female?). Note the bright rosy breast and indistinct gray hind-crown that distinguishes the adult male Brown-capped from a Gray-crowned Rosy-Finch
STEVE: Somehow, #2724 never arrived in my in box. Feel free to send it again.